Hey, everybody. Welcome to Jesus Guns and Babies. I’m your host, Dr. Candace Taylor. I have a great guest today. I’m going to start with a scripture. It is Proverbs 13:22. A good man leaves an inheritance to his children’s children, so his grandchildren. But the wealth of the sinner is stored up for the white righteous. I like it worded like the wages of the wicked slide up for the righteous. But anyway, this is one of my favorite verses, so I want to share it with you because I think that we should always know that the wealth of the earth and what God created is laid up for his children.

And we’re his children. And so I think it’s good. And so we’re going to talk about money today, so I thought we’d start with a money verse. We have my friend, who’s also on the Stupiders network, Carlos Cortez Jr. To join us. So welcome to Jesus Guns and babies. Carlos. Hey, Dr. Candace. Thanks for having me. I’m so glad to have you. We’ve been trying to have this interview for a while, so today’s the day. Here it is, baby. Here it is. So I want you to let everybody kind of get to know you, because, like, some of my people won’t have heard of you before or maybe they do follow you.

But we’re gonna get into your story today, and it’s gonna be awesome. So tell us how, what you do and how you got into this, and maybe even while you’re a patriot. That’s a long winded question, but a great one, and I’ll try to keep it short. My father. My father is a pastor and a drill sergeant. Yeah. So I grew up that way. So when you said guns Jesus, what’s the name of the show? Jesus Guns and Babies. Jesus Guns and Babies. Like, that speaks to my soul. Most of America. That’s why it was trending on Twitter.

Like, they love it because it speaks to most people. Yeah, Yeah, I love it. So growing up in North Carolina, Sorry I don’t have a beautiful twang like you do, but growing up in North Carolina, I just was a conservative politically. And my dad’s a pastor, so he didn’t hold rattlesnakes. But I did grow up in a Pentecostal home. And. And, yeah, I just got conservatism from both angles. But fast forward on how I started my company. I realized that I just liked helping people, and I was pretty much good at making money as an entrepreneur, washing cars.

I mean, we all knew the GoFundMe back then was hey, get a lawnmower and cut people’s grasses for $20 or wash, wash your neighbor’s car for $10. So I would go door to door and as a little kid just hustling and trying to make some money just so I can go down to the, to the local gas station and buy me a big Pepsi in the summer on the hot summers, they were like a dollar at the time, the big slams. And so I was able to provide for myself. And fast forward 20 years. I became a stockbroker on Wall Street.

As soon as I graduated college, passed a bunch of licenses and I didn’t know what I didn’t know. Right. So quickly everyone told me, oh man, you don’t want to. Being on Wall street, it’s a, it’s a greedy, greedy deal. And you know, they, they’re just unethical people. Yes, that is true, that is true. But growing up an athlete, I was with, I was with people that weren’t really ethical my whole life. And I just had that ground that my father laid down and that biblical responsibility. As we fast forward into right now, there’s, there’s really two economies, Dr.

Candice. There’s a woke economy. Whereas anti white, pro gay, anti or toxic masculinity, whatever you want to call it, emasculating everybody. Yeah, yeah. So it’s like normal to be fat, lazy and drunk. Like the man in a commercial is always either gay. Look at Barbie or look at the black or Latino male. They always make them to look gay and weak and feminine. That is the agenda they want to push. And if we look at the media, that’s why people are listening to your show and our show and all of the network is because they don’t trust the media.

And they’re all owned by the same conglomerates. It’s the same thing on Wall street, baby doll. It’s the same thing on Wall Street. They want to fund an agenda where there’s the anti white agenda where it’s the Luciferian agenda. We see that show up in monies. We see the Bible talk about money. The wages of sin is a death. He. We see the greed and the fear that is instilled in all of America. Like the stock market. Oh, Joe Biden’s elected. The stock market is going to crash. Buy gold. Buy gold. Buy gold. And next thing you know, the Jewish mobsters, the bad ones, not the good ones, the bad ones, they financially inoculate our people.

And as you know, my people suffer from a lack of knowledge. Well, they don’t know. People don’t know that there’s companies out there that are screwing people over 30, 40, 50% of their money because they think they’re doing the right thing by saying a few buzzwords to act like they are a faith based person. And unfortunately we see that in the gold markets right now, like these big dealers, they’re taking advantage of many, many Americans and charging them 20 to 50% sales charges just to get into these precious metal IRAs. So what I’ve done, I created a solution.

It’s called America First Retirement Planning solution. And simply put, we want to protect your money. We want to get you a reasonable rate of turn. We want to keep your money in America for America. We don’t want to send it to Ukraine or any other communistic countries. And number five, we want to work with a God fearing patriot that believes in what you believe in. And so when we look at Wall street, it’s rigged. There’s a lot of problems on Wall Street. It, but it all, you know this more than anyone. It, it actually boils down to a spiritual problem.

It boils down to a spiritual problem. And that’s the major problem on Wall street is that there’s a spiritual problem that no one’s talking about. And there’s a, there’s also a drawdown, protection. So when people put their money in the market, it doesn’t always go up. It goes up, down or sideways. You have 33% chance that it’s going to go up. Why? Frankly, it’s been going up. And as of today, right, right here next to Christmas, the week for Christmas, the market is actually poised to have a great, great rally going into January 1st. So isn’t that convenient? We have elections coming up this year and the volatility index is at a 12.

Anything under 13 on the volatility index, which measures the fear and greed of the market, once it hits that certain bottom, it just catapults up. And right now we’re below that 13 number. And it will skyrocket. It will be short lived, we all know. But they want to do this in order to what, make Joe Biden’s stupid face look good? Well, what about Warren Buffett moving like $30 billion? Yeah, yeah. And, and so when it comes to Warren Buffett, Warren Buffett, hey, the guy’s richer than me. So I mean, obviously he knows a lot more than me, he’s smarter than me.

But what I will say is the Warren Buffett buying the hold strategy doesn’t work these days. He’s already made his money before artificial intelligence was out, before robotic was out, before social media and Trump and Elon Musk and Pelosi and all these people with millions and millions of followers like Elon Musk can send a tweet out and the markets go into frenzy. That wasn’t around. The only risk we had to media was the big fake news media. Now we have social media. So that technology was not around back in the day. Now we have to be more tactical.

I think Warren Buffett is doing that now where he’ll just skirt out, right, because he doesn’t trust the banks. And a lot of, A lot of what’s going on, Candace, is that here in the next few days, a lot of properties are not being refinanced, and there’s $400 billion in commercial real estate loans that have not been refinanced. So what that basically means is you have big companies like AT&T, for instance, in St. Louis, they had a $90 million skyscraper in St. Louis that they walked away from. They couldn’t. I mean, they, they literally walked away.

It got, it went into foreclosure, went into auction, and it got sold for $4 million. So you could have bought a sky, a downtown skyscraper for $4 million. That is crazy. And, yeah. And so what’s happening, just like you and I, you’re at. I don’t know if you’re at your home, but I am. Next door is my bedroom. Like, I’m working from home. I mean, with DocuSign, Zoom and virtual technology, we’re able to conduct business at home. Like, I’m wearing shorts, like, this is my jacket, this is my shirt, but I’m wearing shorts and flip flops underneath.

Full transparency. That’s. That’s what people are doing now. Right. And so there’s no need for the brick and mortars. So we have $400 billion that are due right here in the next two weeks that we don’t know how we’re going to fund and refinance these, these loans, these commercial real estate loans on their properties. Look for a lot of companies to be able. That are going to walk away from their properties. I live. So, Carlos, how’s that going to affect the housing market for residential. So, you know, you’re talking about commercial. Yeah. And I had somebody on, and we were talking several weeks ago about.

And his opinion was. It was also a financial advisor, but he was saying that you see it in the used car market, and then you’ll see it hit the, the home, residential and Commercial before the stock market. But what is your opinion about that? Yeah, I mean, that’s right. So, so mortgage rates are starting to cool off, so they say. I mean, it just, it’s down to math. It makes, it makes sense. So you have a home. So how this, how this bleeds commercial into residential is you have a lot of people buying Airbnb properties, right? You’ve heard? Oh, yeah, I’m Airbnbing it.

And so what happens is they buy these properties at 8% mortgage or seven and a quarter, and people’s income is down because inflation’s increasing, but wages are not keeping up with inflation. You know the bidenomics thing is supposed to work, right? Bidenomics. Oh, yeah. So when we have bidenomics in full effect and our wages do not keep up with inflation and interest rates are all time high, the owners of those properties cannot afford to pay that gap, that income gap between what they’re getting and rental income. If your mortgage is $3500 a month and you’re only bringing in $1500 a month, that’s $2000 you got to come up with.

And your job or your wages are not going up. So you’re going to see massive, massive foreclosures and people just walking away from the Airbnbs. What that’s going to do, it’s going to flood the real estate market with more inventory. But we have a problem here that people can’t get loans or they don’t want to get loans. Who wants to get a mortgage at seven and a quarter or seven and a half and that. And that’s good credit, by the way. That’s good credit. So, yeah, we’re going, we have a, we have a Pickle going into 20, 24 in 4, $400 billion are due here in the next few weeks.

Ain’t nobody going to get into another refinance at 8%. They’re not going to buy the properties. I mean, maybe they will. And, and I’m getting all these phone calls and stuff in the mail wanting me. I’ll give you $30,000. I’ll give you $60,000 on your mortgage. Like basically asking me for a second mortgage because they know what my house is worth and I, you know, I miss paying it off. And so it’s like they want to give you that buffer money. And so I can tell every time things change in, in the housing market, I get bombarded.

So everybody probably is. It’s like me in a situation where we’re not, we didn’t refinance our house, we’re still financed at like 1%, 2%, really low interest and we didn’t get this extra money and that. And we have all this cushion because the housing market looks like my house is worth three times what I paid for it. Yeah, yeah, yep. And if you’re buying a home now, you’re paying that three times amount. Like I moved into this home where I’m at now. My neighbors love me because they’ve been here for 20 years and I’m the one that paid premium dollar for my home.

And they’re just like, hey, thank you, thank you. And you just made it a reality. So I was willing to take that risk. Um, when it comes to your home, you kind of, it’s one of those things that doesn’t have to make financial sense. It’s your home. It is your home. You’re going to live there. Who cares if it goes up and down? You have your kids, your children, your memories, and that’s where you spend your life at. So a lot of mistakes Americans make, they look at their home as their primary investment. And what’s crazy is, Dr.

Candice, is that people invest in their homes and then they pass away and they give to their children and they never tap into the equity of their home and they just hand it off to their children and their children end up selling it and they get all the equity. So it’s a huge retirement planning mistake, by the way, that people make. So you want to be able to tap into it, either your cash out refi or you get a reverse mortgage, take the income from your home. It’s huge going into retirement. But I think what’s going to happen is we’re going to see a rise in stock market in January, as crazy as that sounds, we’re going to see a flood of properties and less home buyers because it’s going to be harder to get approved.

And no one wants to buy a mortgage at these rates. And you’re going to see a lot of people, a lot of people wanting to buy, to rent it out because no one wants, no one wants to get a mortgage right now. They just want to rent to till the interest rates cool off in about a year or two. But the thing is, is you can’t. We have a rental property and you can’t find tenants that’ll pay. They’ll pay for a couple months and they don’t want to pay. And then you can’t hardly get them evicted and you know, during COVID times and they give them a shutdown mess.

They wouldn’t, they made the landlords not kick them out because. And so people that I know that were wealthy and they had a lot of rental properties, that was how they functioned. They went bankrupt. That’s wrong. Like you’re making them go bankrupt because you’re making the people not have to pay them to live in their property. It doesn’t make any sense. Yeah, yeah. So that this is where diversification comes in. A lot of people over concentrate in real estate and so unfortunately it is a pogo stick. So real estate does bad then then you have heavy weighted your allocation into that one, that one sector and you’ll get destroyed that way.

So this is where I, I come in and I’m able to help clients diversify their portfolio. We still believe in like being concentrated in certain areas. But the, the name of the game in retirement is risk and income. You need to understand what your risk is. And you definitely better have some play checks so you can stay retired. So what do you think about. I mean have you. I don’t know if you. That’s the movie that came out of the. Obama’s funded and it’s like leave the world behind or whatever. We watched it last weekend. I haven’t seen that yet.

I heard it was like pretty horrific. Yeah, you should. It’s about like a governmental blackout, you know. And so we’ve been hearing about like a blackout’s gonna come, they’re gonna try to do another pandemic, they’re gonna blah blah, blah. And it’s interesting. It’s like all the, you have, you have electricity but you don’t have cell phones and you don’t have the Internet and what it does to everyone is crazy. And then all the cars, the evs, they all are like autopilot and they stop up the major highways and interstates and so nobody can go anywhere. And so it’s, it’s very.

An interesting concept that’s kind of been prophesied by profits all over the country for several months really probably eight, nine months that we are going to have like a blackout period. So what are your thoughts on that? I. That sounds that like that military state, you know, we, we need to be prepared. Dr. Candice. So you know, get, get your, get your seeds, get your solar panel generators, your ammo, get your babies, get everything prepared because we have to. As priests, as a priesthood, men are the priesthood of their home. They should be in the word every day.

They should stay in shape, they should be financially savvy and more importantly they should Be the pillar of faith. Like, without those four pillars, you’re not a man. You’re not a man. You may call yourself a man, but you’re not a man. And so our society has diminished that they want to put a cap on us. They want to make us, you know, crazy or toxic masculinity or demasculine. And men. And masculate women. Women wear the pants and women do this and women do that and women that. But it’s. You know, the Bible says that the good will be evil and the evil will be good.

That’s right. So it’s. It’s completely, you know, but backwards right now. And I. I do believe that something like that could happen. And we are not. 2nd Timothy 1:7. We are not supposed to live in fear and. Or. God has never. God has not given us spirit of fear, but of love, power, and sound mind. 365 times in the Bible it says, don’t be fear. Don’t be anxious, because we’re not supposed to be. We’re supposed to be at peace and rest. But you’re. You’re absolutely right. I mean, whenever we think about, you know, our spiritual spirituality, if you don’t have your husband as the head and he’s not taking authority and protecting your household, then you know, the spiritual attack is.

We are in a spiritual battle right now in our country. And if you don’t have that spiritual protection, then you’re not in a good place. And you’re exactly right about that. My husband was saying he’s like a prepper. And he was like, we need to get some salt. Why do we need salt? He’s like, because we have salt to live. We need a bear with salt on my. Oh, my gosh. And then, you know, he was just saying all the stuff that we need, and I’m like, you are losing it. He’s like, well, it’s not going to hurt.

We have to have this. And he’s got all his heirloom seeds from heaven’s harvest, you know, and he’s got all. All this stuff, and he. I. He is like. Like, he’s a prepper. So we’re ready over here. Something happens. You know, he’s got his ammo and his guns, and he’s like, I probably need to get another gun for Christmas instead of buying junk. We don’t need. You know, we got. You have plenty of guns. You don’t need any more guns. But, you know, it’s important. Worth more than guns. Right, Right. But, you know, it is important.

And it’s important for people to think like that. We. We don’t. We’re so spoiled in America. We’re, you know, have everything we need at our fingertips. And we’re so spoiled, Carlos. And so we really need to think ahead and be proactive in our thinking and not just depend on our government. We pin on the. We depend on the government stability so much, and it’s not stable. Yeah, no, you’re right. And so in regards to that Netflix, is it a movie or is it a show? Maybe it’s a movie. Yeah. Yeah, I’ll take a look. Julia Roberts and Kevin Bacon and the bomb has produced it.

So it’s real interesting. You know, they always tell you what they’re going to do before they do it. Exactly. I mean, the Simpsons have portrayed that over the years as, you know. But here’s the thing. It’s all a lot. I mean, it makes sense. It’s not hogwash. It’s not conspiracy theory. Because where there’s smoke, there’s fire. And look at what they’re doing to the banks, the FedNow program. Look at what they’ve done with transportation as a service. Like, I don’t know if you know this, but they don’t need a driver anymore to Uber you wherever you want.

They now can put it on a blockchain. You can subscribe to a. A transportation as a service software. And you don’t need a car. You don’t need Jiffy Lube. You don’t need to pay for tires anymore. And you can subscribe kind of like a Uber. Like an uber. And it’s 2, $300 a month. And a car will pick you up, a manless car and take you to work unlimited times. Take you to the mall, take you to your kids practice. You don’t even need a car anymore in some cities. And so this is transportation as a service, all on the blockchain.

It will be used for digital payment processing. Like it’s coming, like. And so the social credit score system, that’s what they want. It. It’s just. It’s terrible. Like, even in the uk, there’s a company called Aviva who I used to work with 10 years ago, they’ve been bought out by. By the UK’s. They. The CEO just came out and said, we don’t believe. I mean, we only want to hire white people and we will sign off on that. I mean, it’s just. It’s just crazy what’s going on. Like, they want to track, trace, and control you.

And I would even add the word groom. They want to groom you into being compliant with your financials. They want to groom you into compliant into your medical freedom. Right. We’ve used the word safe and effective. How many times when you hear that, when the government says safe and effective, Run for the hills. Yeah, opposite. It’s safe and effective and convenient. Death and failure. It’s convenient. Yeah, yeah. It’s opposite of what they really say. Yeah, yeah. So safe, convenient, and effective. As you, as you know, when you open up a bank account, you probably don’t know this, but if it’s fdic, like, everybody wants fdic, but what they don’t know is that when you’re fdic, you’re actually relinquishing your rights to the bank on your money because they’re FDIC and they actually control pretty much everything with it.

And so you see, so we’re taught Carlos in school, and I know because I’m an educator, we’re taught that, you know, if you don’t have FDIC was put into place because of the great depression. Everybody lost their money. And so you have to have FDIC or you’re going to have that happen to happen again. And then you wouldn’t have your money. And so it’s a. It’s a protection. So you explain what we’re taught wrong because that’s how we’re taught. Yeah, yeah. I mean, as you roll up your sleeves and you start getting into it and I see the money side of things and I look at the contracts and if you read like an account, if you read the privacy statements and account disclosure agreements, Candace, there’s words in there that say large cash withdrawals will not be honored at X amount.

And the bank has opportunity. Bank has a right to put a cap on it, depending on the fed funds rate. What happened during COVID people got scared and pulled money out. Well, they capped everything out, and there was no liquidity. See, when you put your money in a bank, they actually have the right to lend it to Joe the plumber eight or nine times, and you get a percentage and they make 9 to 12% on your money. And so what they do, what they constantly do, is they literally loan your money out to other banks and other businesses.

And that’s why the treasury yields. So when the treasury yields skyrocket and they go high, they lose value on their bonds because the banks put money in bonds to collect interest. And that’s why these bank failures are all over the place. If you look at the stock KRE, it shows that it’s down 38% year to date and it’s not looking any better for 2024. And people just need to be aware that there’s other privatized banking solutions. I highly recommend you look at credit unions. If you’re with a big woke bank, look into credit unions or even state chartered banks.

Those banks are ran lean and mean and they don’t, they’re not really big into commercial lending, they’re not really big into lending out your money. They’re picky on who they bring on and the states actually run better than the federal government. So. Yeah, yeah. So what, so what do you, what is a piece of advice you give like a couple, middle class couple, they come in, they’re, they live pretty much paycheck to paycheck, they have a little bit to put in savings, they’re in mortgage debt, they have a car payment, at least one, maybe two have some credit card debt.

And, and they come in and they’re like, you know, we want to go on vacation. We still, you know, we’re buying nice clothes for our kids, you know, don’t have a college fund for, you know, whatever. What advice do you give them right off the bat? Lower. Try to lower your expenses. Everybody has expenses that, you know, maybe it’s, hopefully they’re not shopping at Starbucks or you know, maybe it’s Dunkin Donuts, you know, the five dollar coffee’s there. Maybe we cut back on expenses some. There’s some expenses that are there that really don’t need to be there.

Um, if you look at all your subscriptions, I know there are hundreds of dollars of subscriptions. I apply, I’m subscribed to, I probably could cut a lot of those subscriptions off and lower my expenses personally. Everybody has something they can do to lower the expenses. That will be the first thing to do. Second thing to do is don’t wait for your paycheck to come. To start saving, you have to systematically save. So if you get paid on the 1st and the 15th, then set it up with a mutual fund company or another bank account where they take 10% of that paycheck and obviously you pay God first.

You tithe your 10%, you pay yourself 10% and you live off the 80. So you need to systemize that and you do that for several years. If you’re living paycheck to paycheck, what will happen is you will get more prudent and you’ll get more discipline on your spending. And now you have the Lord backing you up because Malachi 3 says, what? The first fruits and that he will fill your cup. Yeah. He says, try me in this. Try me in this. Yeah, test me. Test me. He’s embarrassing you to try him and test him. And let me tell you, it works.

It works. I mean, I can’t say the word guarantee, but I can say the word guarantee when it comes to scriptures. He says, try me in this, right? Try me in this or test me in this. And different versions, right? So who are we as little ants and peasants to. To try or even test the Lord. Who are we? And then he welcoming that. So whenever he is saying, test me, take advantage of it. Take advantage of it. And I’m living proof of it. I’m. I could tell you stories for days that will blow. Blow your socks off on what God has done for me financially.

And I’ve. I’ve tested it. I’ve had friends tested it. And it’s amazing how God shows up. His timing is not our timing, but it’s in God’s timing. Well, tell us. Tell us the story, Carl. That’s one of your favorite ones. Or a time when God has shown it for you financially or with a client that you’ve had. That’s been like a miraculous thing. Yeah, yeah, that’s. I’m gonna tell a. A banger story. How about that? Okay. It only take me a few minutes, but I might get emotional. So it’s not a secret. I’ve been sued for a bunch of times.

What happened in 2020 was a year of correction for me. And during COVID I. I got Covid. I actually got res. Demiviered. Wow. I was locked up. Thank God. Yeah, I lived. Well. When God. When God does something, he doesn’t half ass it, right? He does. He does it a hundred percent. During this time, I had marital problems due to my own issues. I wasn’t being that priesthood in my home. I had issues of lust. I’ve had issues with alcohol. I just wasn’t in a. I was actually my darkest moment. I got Covid during this. And the.

To top it all off, I was spiritually dead. I was financially broke. And now I have lawsuits coming. As you guys know, I manage money for a living. Well, one of my money managers stole close to $3 million in Bitcoin fund. That was actually fraudulent. Unbeknown to me, I wasn’t able to fly. Whenever I bring on a money manager, I always fly to shake their hands, to see them. They’re sec registered. I mean, it’s very clean. But during COVID what do they do? They shut down airports so I wasn’t able to fly and shake hands and do kick the tire, so to speak.

So everything was done virtually. I had to rely on databases. Well, what if they catfished the database? What if they catfished the business and the Google maps and the video calls? And so that’s what exactly would happen. They literally stole close to two and a half million dollars, three million dollars. And I was on the hook for it. I was on the hook for it. I had a terrible, terrible. I don’t get into this business to hurt people. I get it to help people. And so it was a big, big slap in the face for me here.

My marriage is falling apart. My health is diminishing. I’m getting served in the hospital of lawsuits while I’m dying. The doctor is saying, you need to get your fares in order. You got a 50% chance for survival. I’m looking at him. I say, you don’t get to determine that. He said, well, you better find out who does and start praying to him. And I’m like, God, please make this guy look like a jackass, Please. And then, basically, long story short, I heard from God. I actually heard the Lord. I wasn’t able to see it. I mean, the Bible says when he says no one will ever see my face while they’re alive and live for it, Right? So that is 100% true.

100 true. But I heard from him. And what’s the most beautiful thing about all this, Candace, is that I was listening to worship music. I was praying to God. God saved my life. I’m sorry. I was repenting. On the deathbed. I was repenting, and I had my earbuds in, and I’m a worship leader at my church, so I know pretty much most worship songs, old and new. I heard this beautiful, like, acoustic, electric, like, vibrant sound in my. My earbuds. I’m looking at my phone, I’m like, I don’t know this song. And I’m like. I’m scrolling through my playlist and my history.

I’m like, what is this? Music is freaking gorgeous. It’s so beautiful. It’s breathtaking. And I’m like, wow, this is amazing. Meanwhile, my oxygen. I’m 10% from being ventilated, 10% away from being ventilated. And I say, look, if I’m a die, I’m a die. Listen to worship music. I’m a die professing that God, that Jesus is my Lord. I’m nothing without him. He is my savior, My Sin is filthy. But I call you, Jesus, to cover me in your blood, to forgive me from all my sins. I will scream with any little oxygen I have that you are the savior of this world.

I. That was my. My tone. Dying. And then I heard God. And he said, well, before I heard him, I heard the music. And what was the most beautiful thing was, God is so majestic. When we have presidents that come in to other countries, they roll out the red carpet, right? Well, the red carpet was the angels singing before he spoke. His words are so majestic and powerful that angels are required to give him an introduction of music before he speaks. What? This is amazing. So I. I’m, like. In all of this music, it. It froze me.

I said, God, if you want to take me now, go ahead. Go ahead. I want to be in your grace. And he said, I am with you. He said, I’m with you. That’s all I needed to hear. I’m about to lose my marriage. I’m about to lose my life. I’m about to lose my financial business. I’m financially broke. I don’t know where I’m going. And then he says, I am with you. Those simple words, dude, that rocked my world. And then again. Then again, he says, go fix it. Go fix it. And it was only, like.

It was only a span of, like, 10 seconds. And I woke up from this nap. I was actually listening to a John before the worship music. I listened to a John Hagee seminar preaching, and then I heard the music. I passed out. The nurses come in, and it was only 10 or 12 seconds. Nurse was like, oh, my gosh, Carlos, you’re doing very well. I said, I am. Your oxygen went from 80 at 110. They. They ventilate you. They tube you up. They kill you. I was already. So I was getting ready, and I. I was.

I was actually texting Stu, and Stu was worried. And what happened, Candace, was nothing short of a miracle. When I fell asleep or those 10, 12 seconds was actually about 5, 6 hours. I actually passed out. And the nurse was like, yeah, you’ve been. You’ve been sleeping for, like, five, six hours. So what? And your oxygen went from 80 to 40. So what does that mean? Like, you are 50% better than where you were four hours ago. Yeah. Yeah. So I was really, really bad. Well, it was. I’m sorry. It was the oxygen they were pumping.

I was on a co. Like, the machine? No, I was on a COPD machine. This is what they give COPD patients is a high pressured, warm oxygen tank, and they Just pump, pump, pump warm oxygen so that you can easily absorb it. And even with that, I only was retaining about 20% of it. So I was about to be ventilated, and then I was starting. My body was starting to. Able to retain the oxygen after I had this encounter with, with God. And then four hours, it got 50% better. It went from 80 to 40 within four, four hours.

The next I was able to fall asleep, I called my family. I said, hey, I’m getting better. After I did that, that night, I went from 40 to 20, from 20 to 10, 10 to 12, 12 to 6. At two and a half, I’m walking out of the hospital in three days. I was with oxygen at two and a half that my wife picks me up with the kids. I still was positive. I still was, you know, I, I still had this nasty bioweapon in my veins. And I went to bed with two and a half and eventually took it off.

The doctor said, you’ll never be able to play ice hockey the way you want to. You’ll never, you’ll never. I was on a. I was playing ice hockey the next week. My lungs aren’t a hundred percent. They are about 90, 95, and I’m still working on it. I got fat, man. Like, I lost 20 pounds in the hospital because I was constantly fighting, fighting this bioweapon. And I was eating like 3,000 calories a day. I was so hungry. And they only fed you like a prison camp, like three times a day, the same meal over and over.

And I was doing that for two weeks. And then I realized all that time that I put God first, I paid my ties, he is blessing me, and he’s putting me through the pain. And he taught me, once you seek, seek comfort and not be vulnerable with your wife, not being vulnerable with the Holy Spirit, not being vulnerable with your brothers in your church, you will become weak. And so I, I learned a huge lesson. Malachi 3, he always. He’ll never leave us, never forsake us, like he says in isaiah. But Malachi 3 is a huge, huge scripture.

And we can tie that financially, we can tie that any facet spiritually. So sorry for the long winded answer, but that is actually my testimony is that God literally took my skeletons out of my closet and got me out of this financial burden, got me out of this medical burden, got me out of my marital issues, that I hurt my wife in multiple ways, and he restored my soul. He put my name in a book of life. And shortly after that, I started scriptures In Wall street, he said, go fix it. And that’s what my mission has been.

I don’t want, I want to be a financial pastor for all of America. I would love to fight against Wall street and their evil, vindictive vendetta and really only focus on portfolios and a mission that we don’t have to fund this evil agenda like the targets, the bud lights of the world. There’s other options. And when we own these companies and we commerce with these companies, we are promoting their agenda, were owning their agenda. And I really believe that if you own these companies, God will never question how much money you’ve made. You only question the character it takes to make that money.

And so I’m really, really passionate. I feel that I’ve been led by God and instructed by God to be a force on Wall street to fight that spiritual problem. And so that’s what I do. What I do. Candace, so you’re still. So that was a great, great testimony. Awesome. I didn’t know that you msi with COVID So that’s tremendous. And just restoration of your family, that’s the most important thing, honestly, of everything. Yeah, so it’s, that’s wonderful. But so you’re still working on Wall street. Like you still, this is what you do is, you know, investment and do it.

And so have you seen a lot of changes there from the different regime with the presidential change and then with COVID Like, have you seen a lot of change? Can you talk about that? Yeah, so what, what we’re actually going through is what I said in the beginning of, of our talk here is that there’s two economies, there’s a woke one and there’s a patriotic one and Wall Street’s kind of figuring that out. They don’t know what’s, what’s going on. But we, we see it with the boycotts, like if you listen to CNBC and a talking heads on Yahoo Finance, the liberal media, they’re like, oh yeah, there’s no another boycott.

People don’t really like doing this. But what they don’t realize is that there’s people like me and you, Dr. Candice, that we won’t go shop there, we won’t go eat there, we won’t commerce there because why they’re killing babies. And even if they don’t come out and say that they’re funding abortions where their employees, they’ll pay for the employees to go kill a baby across state lines or, or targets letting boys in the girls bathrooms. Yeah, yeah. And all. And they Have a whole gay pride month in the children’s section in targeting our youth. So, like, if you want to have, you know, same sex with the gender of God made you, created you in.

That’s your choice. Like, I’m not gonna go in your bedroom. That’s your choice. But we’re talking about children. We’re talking about perpetuating perversion on kids. So I don’t care if it’s straight porn, gay porn, trans porn. Children now have free access to anything they want. Kids. Parents use technology to babysit children. They’re addicted to pornography. We have youth all over this country. I’m Talking about young 10, 11, 12 year olds that are addicted to pornography. This whole thing with this Japanese anime porn that’s pushed in, this furry movement is total perversion. It’s bestiality, it’s identity crisis and wanting to cut off their genitalia.

And then we’ve got lawmakers that are pushing. I’m talking about Republicans in Georgia who were medical doctors trying to. Senators and House members trying to push in to. Yeah, we’ll. We think that they should have a choice. They should get to have gender change surgery. Well, let’s be thankful that that didn’t pass. But that’s what they’re pushing. And then they’re calling themselves a Republican. And we were talking earlier, you made the comment. I want to get back to this. When you said something about, you know, people that are. Say they’re Christian. And I thought the Holy Spirit immediately said a fake Christian, just like a fake Republican.

You know, they call them rhinos. I hate that Republican name only I hate that term. I think a rhino is a stupid term. I call them fake Republicans because they’re not really Republican. And we call them fake Christians. They want to use the name of God and say, I’m a Christian. But you’re not. There’s no relationship and there’s no fruit and. Oh, well, don’t judge. Yeah, we’re supposed to judge the fruit and there’s none. It’s rotten fruit and Jesus Christ judged fruit. And if he did it, then I can do it because he’s perfect. Theology. Come on, sister.

I love it. That was fire right there. Yeah, you’re right. You’re right. And. And you know the problem, man. I can go on and on. That’s a lot to talk about. Yeah, yeah. Just so your audience knows, guys like. And my audience too, because I’m. I’m gonna put this on my show, too. We don’t have an outline here. Like, this woman is Spirit led. This woman is spirit led. We just, we just put the camera on and say, hey, let’s just talk. And so wherever, wherever this conversation goes, it goes. It’s going to be spirit led.

And I love that. I was really excited about having this because I know you’re as. You and I are very same like that. We’re very tuned in what the Holy Spirit put puts on our heart. And we’re fiery patriots that will get the job done and give God the credit. And so I, I just want to make sure that we are fruit brothers and that we are light for others and that if you haven’t accepted Christ as your Lord and savior, you need to do that. Because we’re going into this 2024 where people are going, our nationalism is going to overtake as a new religion.

Like people are going to get triggered. Whether it’s the left economy or the right economy, they’re going to get triggered. And I really believe Satan will use politics and nationalism to defer the cross to politics. Carlos, I’m glad you said this because I don’t, I never do this on the show, but I really feel pricked from the Holy Spirit. So I go to court a lot because of my job. So. But in court I have a judge that I sit in front of a lot and he, he’s a very strong Christian and he was talking to families who were desperate and they don’t have that, you know, one parent households or drug addict households or really poverish.

And he always asked them, do you go to church? But do you know Jesus? Are you saved? And what we hear most of the time is, I believe in Jesus. I went to church growing up. No, I don’t go now. No, I’m not saved. No, I don’t know if I would. I think I’m saved or maybe I’m saved, but I don’t know if I’d go to heaven. And I, and I’m. And we, you know, go through the whole thing and sometimes I get saved, sometimes I come back later. My point is this. When you were talking, I felt this prick in my spirit of people watching this are going to think, yeah, I probably should get saved.

I probably should do that. I probably should because they know Jesus was born perfect to a virgin and that he lived a perfect life and he was crucified and laid his life down because he chose to for the sin of the world. They know that. And they know John 3:16. You know, if they ask him in their heart, they, they’re saved, but they May have said that prayer years ago. Or maybe they think, well, I’m not ready to give up my sin yet. Or I’m not, I’m not ready. And what I’m telling you is forget all that.

It’s about relationship. So if I’m the same person today that I was a month ago and better yet a year ago, am I really saved? Because when we grow in the Lord and it’s relational and the Holy Spirit and the word of God reading his word and the Holy Spirit teaching us, we’re not going to be the same. That same judge told me, he said, you’re born with earthly parents, but when you get saved, your parents are scripture and Holy Spirit. So if you’re not growing in your, in your faith and in relationship with Jesus, who cares about heaven? We’re supposed to right now want him.

We should right now want him. And my husband said he was praying yesterday like God, I don’t want to be lukewarm. I want to be on fire all the time. I want you. I want to be passionate about you like I’m passionate about candy. He calls me Candy. I want to be passionate about you like I’m passionate about candy. And that should be what’s inside of us. And so I, I’m not going to say all that, but just anybody listening to this, that God wants you. He created you. He created you perfect, just like him, in his image.

And he wants a relationship with you right now. And yes, you get to go to heaven. That’s wonderful. But what about the day you get to hear his voice and you get to have him, his protection and you get to have his benefit and financial provision and health and healing and everything. Peace, peace and chaos. Yes, yes, that. Amen. That, that’s just it. I mean, at the end of the day, that’s why we do these podcasts. Our aim is not our pocketbooks. Our aim is not to grow my business. Yes, I want to grow my business.

I’m a for profit company. Cortez wealth is sustainable and, and we, we will honor God in everything we do. But at the end of the day, it’s about the cross, man. Like, I don’t take, I don’t take money from sponsors. Like my show is very expensive every single month. I don’t take any sponsors money because I don’t want our message to be tainted at the end of the day. Scriptures, my show, scriptures on Wall street. And I know it’s the same for you. It is about the cross. Our aim is always going to be about the blood and shed, shed the light.

Because in this dark world, I could, I could teach you how to make money. I could teach you what the market’s going to do. I can say all these cool things, but at the end of the day, what’s, what’s the point? If you’re a rich, wealthy person, you can’t take it with you. I’ve never seen, never seen a U Haul attached to a hearse. It seems silly, doesn’t it? It seems silly to think about, but it’s true. Yep. And I’m, I’m glad that the number one topic in the Bible is about money, because when it comes to money, it’s funny.

Like you will see, they say alcohol, you know, get a person drunk and you see their true colors. That is true to a certain extent. But you bring money to the table, you will see their true colors. You know, when you see it, Carlos, when somebody dies that has any kind of money, like even if it’s a little bit of money, they miss a house or if it’s any kind of insurance policy, if it’s $20,000, you will see brothers and sisters and aunts and uncles turn on each other, ruin relationship, burn it out to the ground to get that little bit of money because.

Agreed. Yeah. Yep. Yeah. It’s so, so true. And unfortunately, that’s the world we live in, Sue Friendly and money hungry world we’re in. And God sees that. God sees all that. And so it’s it. We need more. We need more people that are aligned with the cross, that have the fruits. And unfortunately, even, even on the independent podcast, we see many shows, many, many shows that are funded by people that are in the core, are evil and they’re able to manipulate good people because everybody has a number. Just like in poker. Everybody has a number. Yeah.

But for me, in my house, we will serve the Lord. For me and my house, we don’t have. Our integrity is never for sale, period. And, and yeah, I’m glad you, I’m glad you brought that up because it is my prayer that everyone that watches this, that their name is written in the book of life and they’re blessed now and financial miracles now and healing now. And, and so tell everybody, I say, tell everybody your website, Carlos, and tell them what you could offer them if they call you and they want to help him learn how to invest or just learn how to get on their feet and have some stability in their finances.

Yeah. So most financial advisors, they have like these minimums. You know, if you have a hundred thousand Or a quarter million dollars or a million dollars. We want to help everybody. I may not be able to talk to everybody, but I have consultants that work for my firm. We are, that are handpicked, hand selected, hand trained by me and they will work with you. So when you call our company and you have retirement questions, give us a call. 813-448-3446 or if you’re like me, you like to do everything on a website. Cortez wm.com c o r t e z w m.com you can go there and request an appointment face in person, zoom phone, doesn’t matter, FaceTime.

We’re on all the different platforms. However you want to meet and let us know you heard us from Dr. Candice or this podcast or scriptures in Wall Street. And we do everything virtually. Like, you don’t have to have that local advisor that is showing allegiance to the bank and the shareholders. The problem with Wall Street, Candace, is that you have all these financial corporate advisors that their loyalty is in their job. Their loyalty is the shareholders and not the actual client. The client becomes like bottom of the barrel as an independent fiduciary. The client is the center and we are the outside.

We’re always constantly giving the client advice. The best kind of like, I mean, you’re, you’re a lady. If, imagine if you had like a tour guide at the mall when you went to go shopping, like, you want a certain pair of shoes, well, he’s going to show you exactly where’s the best place to buy shoes. And you get to decide what’s best for you and your family. We do the same thing here. We’re going to be, I want some red tennis shoes. And actually, because we, because of the Georgia Boy dolls and my school high school team, it was red and black.

And so I wear red and black a lot. And I’m like, you know what? I need some red tennis shoes. And so say, you could go say, hey, I want red tennis shoes. And then they would like, oh, this, all these stores have some. And this is what the sale is and this is how much it costs. Right? Right. And you get to pick, you know, the comfort level, the, you know, the set, the sales price. You can negotiate, you can look at the track record, reviews, I mean, all that. So that’s what we provide. We’re able to construct a portfolio that is the first layer.

And the second layer is we want to have it where it represents your faith. We don’t want to invest in these companies like the Pfizers. The Duracell batteries, the Targets, the Bud Lights, where they are literally killing babies. And they’re funding not just lgbt, but the lawmaking of LGBT and the promotion. Lgbt. Like Amazon. Amazon sells books on. On incest. Not only do they sell abortion pills, but you can get books on incest. How disgusting is that? So disgusting. Traumatizing, disgusting, Demonic spirit of perversion. It’s terrible. Yep. But yet we shop on Amazon. I’m guilty. I’m guilty because of convenience.

Yes. Safe, effective, convenient. Right. Remember those words? I remembered. I remember you saying that. That’s what I said. Well. Cause I. Thank you so much for coming. I mean, I. Your personal friend to Stu Sue’s my best friend in the world. And you are welcome back anytime. And I love you and I appreciate you calling me and checking on me. And we haven’t met in person, but we will one day. We’re gonna have to have, like, a stupiders network event. Yeah, that would be really. Let’s tell him to get that on the agenda for 2024. Yeah, let’s do it.

You guys can all stay at my house or whatever. That’s right. We’ll just come crash it. Yep. That’s. Your neighbors won’t like you anymore. I don’t think they like me now. Like, oh, man, there’s that conspiracy theorist guy. And everything’s coming true. Yeah. Yeah. So thank you so much for coming, y’all. Tune in next week. The Stu Peters Network. I will see you there. I love you, God bless you, and God bless America. As Christians in a Christian country, we have a right to be, at minimum, agnostic about the leadership being all Jewishly occupied. We literally should be at war with fucking Israel a hundred times over, and instead we’re just sending them money and it’s fucking craziness.

Look at the state of Israel. Look at the state of Tel Aviv. And look at the state of Philadelphia. You tell me where this money’s going. You tell me who’s benefiting from this. I am prepared to die in the battle fighting this monstrosity that would wish to enslave me and my family and steal away any rights to my property and to take away my God. Go fuck yourself. Will I submit to that? And if you’ve got a foreign state, you got dual citizens in your government. Who do you think they’re supporting? God, right now? Would you protect the nation of Israel and protect those of us, not just our church, but every church in the world and in this nation that’s willing to put their neck on the line? And say, we stand with them.

You go look at Trump’s cabinet. You go to Biden’s cabinet. It’s full of Jews. I have a black friend in school. I have nothing against blacks. She has nothing against me. She understands where I’m coming from. Excuse me. I’m a Jew. And I just like to say that, you know, in our Bible, it says that you’re. You’re like animals. The Jews crucified our God.
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